ScoreWhy is Finance House PJSC ?
1
With ROA of -0.09%, it has a risky valuation with a 2.20 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 2.80%, its profits have fallen by -124%
Real-Time Research ReportHow much should you sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Finance)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is Finance House PJSC for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Finance House PJSC
-100.0%
1.13
23.37%
Abu Dhabi Securities Exchange
-1.29%
1.13
8.08%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
1.82%
EBIT Growth (5y)
-4.39%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
118
Industry P/E
Price to Book Value
2.17
EV to EBIT
78.88
EV to EBITDA
65.47
EV to Capital Employed
1.64
EV to Sales
3.77
PEG Ratio
0.10
Dividend Yield
NA
ROCE (Latest)
2.08%
ROE (Latest)
1.84%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Bearish
RSI
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Mildly Bullish
Bearish
Dow Theory
Bearish
Bearish
OBV
Mildly Bearish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend29What is working for the Company
OPERATING CASH FLOW(Y)
Highest at AED 141.9 MM
NII(Q)
Highest at AED 54.32 MM
NET SALES(Q)
Highest at AED 77.47 MM
OPERATING PROFIT(Q)
Highest at AED 26.98 MM
OPERATING PROFIT MARGIN(Q)
Highest at 34.82 %
PRE-TAX PROFIT(Q)
Highest at AED 28.18 MM
NET PROFIT(Q)
Highest at AED 24.42 MM
EPS(Q)
Highest at AED 0.09
0What is not working for the Company
NO KEY NEGATIVE TRIGGERS
Here's what is working for Finance House PJSC
Pre-Tax Profit
At AED 28.18 MM has Grown at 742.57%
over average net sales of the previous four periods of AED 3.34 MMMOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (AED MM)
Net Profit
At AED 24.42 MM has Grown at 564.63%
over average net sales of the previous four periods of AED -5.26 MMMOJO Watch
Near term Net Profit trend is very positive
Net Profit (AED MM)
Operating Cash Flow
Highest at AED 141.9 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (AED MM)
NII
Highest at AED 54.32 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (AED MM)
Net Sales
Highest at AED 77.47 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (AED MM)
Net Sales
At AED 77.47 MM has Grown at 33.27%
over average net sales of the previous four periods of AED 58.13 MMMOJO Watch
Near term sales trend is positive
Net Sales (AED MM)
Operating Profit
Highest at AED 26.98 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (AED MM)
Operating Profit Margin
Highest at 34.82 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at AED 28.18 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (AED MM)
Net Profit
Highest at AED 24.42 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (AED MM)
EPS
Highest at AED 0.09
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (AED)
Depreciation
Highest at AED 4.4 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (AED MM)
Depreciation
At AED 4.4 MM has Grown at 26.53%
period on period (QoQ)MOJO Watch
The expenditure on assets done by the company has gone into productive use which should positively reflect in the future sales
Depreciation (AED MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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